Chime Financial reported second-quarter 2025 revenue of $528 million on 7 August 2025, a 37% increase year-on-year, ahead of analyst consensus estimates. The results marked the neobank's first earnings release as a publicly listed company, following its initial public offering on 12 June 2025. The IPO had priced Chime's shares at $27 each, implying a valuation of $11.6 billion at listing.
By the time the August earnings release arrived, the stock had risen 25% from that reference price. Gross profit for the quarter reached $461 million.
MEMBER METRICS
Average revenue per active member grew 12% year-on-year to $245. Purchase volume for the quarter rose 18% to $32.4 billion.
Chime operates as a fee-free checking and savings product built on interchange revenue generated each time a member uses its debit card. The company has also invested in expanding its credit-building products and early wage access offerings.
GUIDANCE
Management guided to third-quarter revenue of $525 million to $535 million and full-year 2025 revenue of $2.135 billion to $2.155 billion.